WHEN you don't get satisfactory answers from your bank or credit card company, this is the road ahead.

I use two credit cards belonging to ICICI Bank and Citibank. The itemised bill reflects 12 transactions made with airlines.

But I have made no such transactions! I have lodged a complaint with the credit card company. So, all transactions come under dispute transactions. What should I do if the ruling goes against me?

-- Saju Kurikose, salaried employee from Kochi

If you do not get a satisfactory response within two to three weeks after lodging the complaint with the credit card issuer, you can approach the banking ombudsman (BO).

The BO provides speedy solutions to grievances faced by customers from various banks.

Web site: www.bankingombudsman.rbi.org.in

Read:

• When your bank messes up...
  
• Don't let higher EMIs ruin your budget
• Too broke to pay back your loan?

Calculate: Your monthly, annual expenses

Illustrations: Vaibhav Shirke

Apnaloan.com is an online guide for those who seek retail loans. Apnaloan also helps loan consumers to get best rates by making banks compete for their loan.

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e-mail: Harsh Roongta

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